Terry Mortgage Refinance and Information Online from competing Lenders

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Mortgage broker gets prison in fraud - Arizona Daily Star
A Phoenix mortgage broker was sentenced to 3 1/2 years in prison after he pleaded guilty to bilking four seniors of more than $400,000. Rick Thomas McCullough, 36, will also serve seven years probation and pay $343,811 in restitution, Attorney ...

Phoenix man faces prison for stealing cash from seniors - ABC 15 News
Arizona Attorney General Terry Goddard announced Monday that a Phoenix mortgage broker has been sentenced to prison for operating a residential mortgage scam. Rick Thomas McCullough of Phoenix pleaded guilty to one count of securities fraud and one ...

Broker sentenced for swindling senior citizens - KTAR.com
A Phoenix mortgage broker accused of swindling four senior citizens in a home mortgage scam has been sentenced to three and a-half years in prison. Rick Thomas McCullough, 36, also was placed on seven years probation and ordered to pay restitution of ...

Mortgage Broker gets 3.5 years in fraud - Phoenix Business Journal
Phoenix mortgage broker Rick Thomas McCullough was sentenced to three-and-a-half years in prison after pleading guilty to securities fraud related to a scam bilking four seniors out of more than $400,000. He also received seven years probation and ...

Man Gets Prison In Mortgage Scam - KPHO
PHOENIX -- A Phoenix mortgage broker is sentenced to 3 1/2 years in prison for defrauding four Valley seniors of more than $400,000, the county attorney general's office said. Rick McCullough, 36, was also ordered to serve seven years probation and ...

A Hanging Offense - Wall Street Journal
Yesterday we noted a story about liberals, prompted by the election of Barack Obama, making sudden shows of patriotism after shunning such displays for the past eight years. We wondered if the same thing had happened on the other side--that is, if ...

Street of risk and loss - San Diego Union-Tribune
It produced easy money for specula-tors and mortgage brokers and short-lived happiness for families who bought houses they couldn't afford to keep. Few streets in the county have witnessed as dramatic a turnaround as Little Lake. Nestled in the heart ...

Novi-based Trinity Health finishes bond deal - Detroit Free Press
Trinity Health completed a $492-million municipal bond deal late Tuesday that allows it to refinance costlier debt and expand projects at its Michigan and Idaho hospitals. The Novi-based health system is watching the market in hopes of moving ahead ...

Trinity Health bond deal to help expansion - Detroit Free Press
Trinity Health completed a $492 million municipal bond deal late Tuesday that allows it to refinance costlier debt and expand hospital projects at its Michigan and Idaho hospitals. The Novi-based health system is watching the market in hopes of ...

Emmetsburg woman accused in mortgage scam - KWWL
EMMETSBURG, Iowa (AP) - An Emmetsburg woman has been arrested for allegedly running a mortgage scam out of her home. Terry Hoffert is charged with two counts of first-degree theft and one count of ongoing criminal conduct. Police say Hoffert ran a ...

Today's Mortgage Terms starting with A

Accrued Interest: Interest earned but has not been paid

Additional Principal Payment: A payment made by the borrower of more than the scheduled principal amount due with the purpose of reducing the remaining balance on the loan.

Adjustable Rate Mortgage: Loans with interest rates that are adjusted periodically based on changes of a pre-determined index. The index is based on market rates such as Treasury bills and prime rates. The ARM has an interest rate cap that limits the amount the interest rate can change.

Adjustment Period: Applicable to an ARM, the time between changes in the interest rate.

Amortization: Repayment of a debt with periodic payments, usually monthly, of principal and interest calculated to pay down the loan within a predetermined time.

Amortization Schedule: A timetable for payment of a mortgage detailing the amount of each payment applied to interest and principal and the balance left outstanding.

Annual Percentage Rate (APR): The cost of credit shown as a yearly rate. The annual percentage rate is usually not the same as the interest rate. The APR will be higher than the interest rate stated in the note due to the fact that it includes the interest rate, loan discount points, fees and mortgage insurance.

Appraisal Fee: A fee charged by a licensed, certified appraiser for a written estimate of a property's current market value at a specific time.

Assumable Mortgage: A mortgage that can be taken over by the buyer when a home is sold by the previous owner.

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